InsureWatch

63137

High64

Bellefontaine Neighbors, Missouri — St. Louis County

Pop. 20,390Median Income $44,167Median Home $73,300
0/ 100High Risk

2025 Estimated Premium

$2,022/yr

+8.4% from 2022 actual ($1,865)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,865

-2.7%

2018–2025

Nonrenewal Rate

1.51%

2018–2022

Claim Frequency

8.7%

Avg Claim Amount

$9,436

Score Breakdown

Premium Level (25%)69
Premium Trend (20%)37
Nonrenewal Risk (20%)77
Storm Exposure (15%)80
Affordability (10%)90
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201817 events
Property damage$50,000
7 hail1 flood
19
201930 events
Property damage$100,000
8 hail7 flood
20
202013 events
Property damage$50,000
2 hail4 flood
21
202121 events
Property damage$124,000
2 tornado4 hail1 flood
22
202220 events1 fatalities
Property damage$50,614,000
4 tornado1 hail4 flood
23
202340 events1 fatalities
Property damage$30,000
1 tornado14 hail3 flood
24
202424 events2 fatalities
Property damage$2,021,000
4 tornado11 hail3 flood
25
2025130 events1 fatalities
Property damage$7,719,500
6 tornado93 hail4 flood

Nearby ZIP Codes

63136Jennings, MO
66High
63138Spanish Lake, MO
70High
63147St. Louis, MO
74High
62048Madison, IL
61High
63033Florissant, MO
67High

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.